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Last updated: May 13, 2024

Cheapest Car Insurance in Oklahoma

You’ll pay less than the national average for car insurance in Oklahoma.

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In Oklahoma, the cost of car insurance averages $888 annually, 15 percent less than the national average, according to the National Association of Insurance Commissioners. From ways to save on auto insurance to insurance options such as private insurance, self-insurance, proof of financial responsibility and the Oklahoma Automobile Insurance Plan, we’ll show how you can snag the cheapest car insurance in the state.

Cheap Auto Insurance in Oklahoma

We’ve collected cheap rates for drivers in Oklahoma. Auto insurance companies can consider age, credit scores, gender, marital status, type of vehicle (model, make and year), ZIP code, driving history and number of accidents when writing policies for Oklahoma residents, according to the Oklahoma Insurance Department.1 Keep reading for cheap car insurance companies in Oklahoma, for everyone from young drivers to seniors.


  • Males: GEICO, $351
  • Females: GEICO, $351

Marital Status

  • Single: AAA, $1,941
  • Married: State Farm, $984


  • Full coverage car insurance: GEICO, $1,003
  • Minimum coverage car insurance: GEICO, $240

Driving Record

  • Clean driving record: GEICO, $351
  • Speeding ticket: GEICO, $1,257
  • At-fault accident: American Farmers & Ranchers Mutual, $1,446
  • High-risk driver: Mercury, $1,796


  • Excellent: GEICO, $351
  • Poor: Farm Bureau, $2,112


  • Teens: American Farmers & Ranchers Mutual, $1,953
  • 20s: USAA, $1,438
  • 30s: GEICO, $351
  • 40s: State Farm, $883
  • 50s: GEICO, $333
  • 60s: State Farm, $798
  • 70s: GEICO, $335


  • Current military personnel: USAA, $642
  • Veterans: USAA, $642

Ask for quotes from multiple insurance companies to find out the lowest premium available to you. Don’t forget to see which discounts may apply to you for even more savings.

The Best Car Insurance in Oklahoma

Choose from these companies, the best car insurance in Oklahoma:

  • Allstate
  • Farmers
  • State Farm
  • USAA

Ways to Save

  1. Take an approved accident prevention course: Oklahoma requires auto insurance companies to provide discounts to drivers who complete approved accident-prevention driver courses with at least six hours of instruction. The discounts will last for three years. Drivers may complete the same course for additional renewals of the discount. However, the discount would not apply if the course is court-ordered because of DUIs or motor vehicle violations.
  2. Keep your driving record clean: Insurers see drivers with no infractions on their records as having a lower risk than drivers with histories of incidents, such as speeding tickets, DUIs and hit-and-runs in Oklahoma. Being classified as a low-risk driver means you pay lower premiums.
  3. Pick an affordable insurance company: Each auto insurer follows its own pricing model, which means varied auto insurance rates for the same coverage. Shop around to see which company will provide you with the best coverage for the lowest price.
  4. Park your vehicles under cover: Some auto insurance companies provide a discount if you park your cars in garages or carports regularly, especially given Oklahoma’s common weather events like strong winds and hailstorms.2
  5. Purchase a safe car: Many auto insurance companies give discounts for vehicles with safety features, such as daytime running lights and antitheft devices.
  6. Consider usage-based insurance: Usage-based insurance is based on the number of miles you drive per year, a good option if you carpool, work from home or have a short commute. Some insurers provide discounts if you use a mobile app or monitoring device while driving to record your behavior behind the wheel. These tools capture braking, distance, acceleration and speed to analyze your driving habits, which could qualify you for discounts.
  7. Bundle your coverage: Combining homeowners or renters insurance with your auto insurance can net you savings on premiums.


Nearly every insurance company offers multiple discounts to lower your auto insurance premiums.

How Much Coverage Do You Need?

Here are the requirements in Oklahoma for car insurance:

However, these amounts likely won’t be enough protection in case of an accident. Overall, we recommend carrying a minimum of 100/300/100:

  • $100,000 per person and $300,000 per accident of bodily injury coverage
  • $300,000 of bodily injury coverage per accident
  • $100,000 of property damage coverage

In addition to raising the limits for liability insurance, add the following coverages for more protection:

  • Comprehensive coverage: Comprehensive coverage will reimburse you for repairs or replacements due to theft, vandalism and weather damage from tree limbs, flood, fire or hail, to name a few examples.
  • Collision protection: Collision protection covers car damage due to collisions with other vehicles. Both comprehensive and collision will only pay the actual cash value of your totaled vehicle. The actual cash value means what your car is worth in its post-collision condition or what you could reasonably expect to sell it for today.
  • Medical payment protection: Medical payment policies cover your and your passengers’ medical expenses because of an accident.
  • Uninsured/underinsured motorist: Uninsured and underinsured motorist coverage provides protection for your property damages and medical costs if a driver with no insurance or not enough insurance hits your vehicle.
  • Gap insurance: Gap insurance pays off the remainder of your car loans for totaled vehicles.


For older vehicles worth less than $1,000, you could pare down on or drop collision and comprehensive coverage to save on your premium.

Alternative Car Insurance

Certificate of Self-Insurance

Oklahoma allows residents to apply for certificates of self-insurance if they own more than 25 vehicles registered in the state.3 Residents must prove their ability to pay property damages and bodily injuries as self-insurers.

Proof of Financial Responsibility

Also, the state allows you to file proof of financial responsibility with the Department of Public Safety (DPS) provided you meet the following requirements:

  • A cash deposit of $75,000 with the DPS
  • A valid certificate of deposit of $75,000 issued by a bank or other financial institution in Oklahoma

The department will issue you a certificate of deposit as proof of insurance and use your deposit to pay any claims or judgments against you for any accident you cause.

Oklahoma Automobile Insurance Plan

If you can’t find auto insurance because of a high-risk driver classification, contact Oklahoma’s Automobile Insurance Plan (OAIP). Created in 1950, this plan aims to provide auto insurance coverage to Oklahoma residents who could not obtain policies via the marketplace. In Oklahoma, any insurance agent with a valid state property and casualty license can write business through the OAIP.

For more information, contact the OAIP:

  • Mail:
    • Oklahoma Automobile Insurance Plan
      PO Box 6530
      Providence, RI 02940-6530
  • Phone: (405) 842-0844 or (866) 667-2827
  • Email:
  • Website:

Service Oklahoma

For the state’s Department of Public Safety, Service Oklahoma handles everything related to your vehicle or driver’s license, including vehicle registration, titling, suspensions, reinstatements, motorcycle endorsements and disability placards.


As a Sooner State resident, you have choices for insuring your vehicle. By customizing your options, you’ll find ways to save and still get the coverage you need. Investigate your options thoroughly, such as private insurance companies, self-insurance or the Oklahoma Automobile Insurance Plan. Find out more about Oklahoma car insurance through our frequently asked questions.

Frequently Asked Questions

Who pays medical bills after a car accident in Oklahoma?

Since Oklahoma is an at-fault car insurance state, whoever causes the accident must pay for the other party’s losses, which includes medical expenses, according to Oklahoma Statute 36.

Also, Oklahoma operates under a comparative fault standard for any liability claims. This means if the injured party contributed to the accident, they could still receive compensation as long as their percentage of fault is less than 50 percent. The compensation amount would be reduced according to the percentage of fault, however.

Do you need uninsured motorist coverage in Oklahoma?

No, Oklahoma does not require residents to have uninsured motorist coverage. However, though Oklahoma allows insurers to offer uninsured motorist property damage, it’s not widely available throughout the state, according to the Insurance Department.

What is the total loss law in Oklahoma?

Oklahoma’s total loss law dictates that a totaled car is one that requires structural repairs costing more than 60 percent of the vehicle’s actual cash value, according to Oklahoma Statute 36.

How long does an insurance company have to investigate a claim in Oklahoma?

In Oklahoma, an insurance company has 45 business days to investigate a claim after receiving proof of loss, according to the Oklahoma Department of Insurance.


  1. Factors that Affect Premiums. Oklahoma Insurance Department. (2023).

  2. Data helps unmask hail risk, a volatile peril with potentially hidden consequences. Verisk. (2023).

  3. 2014 Oklahoma Statutes Title 47. Motor Vehicles §47-7-503. Self-insurers. JUSTIA US Law. (2014).